Self Bank (Selfbank by Singular Bank) review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Self Bank is a Spanish lender for borrowers who want a secured mortgage with no product fee, trading a short fixed period for a cheap entry point. It opens at an initial rate of 4.4% with an annual percentage rate of 4.47% on a fixed period of 5 years.

Key facts

Best for
Borrowers wanting a fee-free, mid-market fixed-rate mortgage from a regulated Spanish bank.
Initial rate
4.4% (Source, checked September 26, 2026)
APRC
4.47% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Legal entity
Singular Bank, S.A.U. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
selfbank.es

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXLinkedInyoutube.com

Pros and cons

Pros

  • The product fee is €0, so no charge is listed for setting the loan up.
  • A starting rate of 4.4% with an annual percentage rate of 4.47% on a secured loan.
  • A regulated lender, holding a Banco de Espana licence, 1490, plus a linked insurance banking operator registration.
  • Support by phone, email and a help centre through phone, email and help centre, from a group founded in 2009.

Cons

  • The fixed period of 5 years is short next to the site median fixed period 6.5, so the re-fix comes sooner.
  • Mid-field pricing, at 64 of 145 on annual percentage rate and 136 of 297 on the starting rate.
  • Support runs on phone, email and help centre only, with no live chat listed.

Ready to try Self Bank (Selfbank by Singular Bank)?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers who want a low-cost entry point on a secured loan and can plan for a re-fix after 5 years.
  • Applicants who prefer a regulated bank's own mortgage over a broker, given the Banco de Espana licence 1490.
  • Anyone who wants phone and email help through phone, email and help centre while an application runs.

Who should look elsewhere

  • Borrowers chasing the lowest headline rate, since Prestalo lists 2.36% against 4.4% here.
  • Anyone who wants a longer fixed stretch, since the period here is 5 years and lenders such as Creditilia ES publish their own terms.
  • Shoppers who want broker-led pricing, since Sofkredit lists initial rates of 8% to 14%.

Safety and regulation

Self Bank is a Spanish lender supervised as a bank by Banco de Espana under licence 1490. It also appears on the Spanish register as a linked insurance banking operator with the Direccion General de Seguros y Planes de Pensiones, under OV0091. The listing ties the mortgage activity to an authorised banking and insurance operator rather than a comparison site.

Where it sits among rivals

On annual percentage rate it sits at 64 of 145 ranked brands, and on initial rate at 136 of 297. The fixed period ranking is weaker still, at 148 of 259, which makes this a lender priced in the middle of the field rather than one chasing the lowest headline number.

How Self Bank (Selfbank by Singular Bank) compares

Where Self Bank (Selfbank by Singular Bank) is available

Available
Spain
Licence in Spain
Banco de Espana (1490), checked September 26, 2026
Licence in Spain
Comision Nacional del Mercado de Valores (CNMV), checked September 26, 2026
Licence in Spain
Direccion General de Seguros y Planes de Pensiones (linked insurance banking operator) (OV0091), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the Self Bank mortgage start at?+

The published starting rate is 4.4%, with an annual percentage rate of 4.47% once fees are taken into account. The starting rate sits close to the site median 4.35%, so the headline number is competitive without being the cheapest on the list.

How long is the rate fixed?+

The rate is fixed for 5 years, which is the clearest trade-off on this product. The site median fixed period is 6.5 years, and Self Bank ranks 148 of 259 on that measure, so expect a re-fix sooner than with longer fixed deals.

What does it cost to arrange the mortgage?+

The product fee is €0, so there is no product charge listed for the secured loan. That keeps the cost of setting the mortgage up low against the 4.47% annual percentage rate, though the rate resets once the fixed period ends.

Is Self Bank a regulated lender?+

Yes. Self Bank operates under a Banco de Espana banking licence, 1490, and is also listed as a linked insurance banking operator with the Direccion General de Seguros y Planes de Pensiones under OV0091. Both registrations are in Spain.

Who is behind the brand?+

The lending company behind Self Bank is Singular Bank, S.A.U., founded in 2009 and operating from Spain. Self Bank is the name used for the group's secured property lending, and the bank licence is held by that same legal entity, so the agreement is with the bank itself.

How do I get help with the account?+

Support runs on phone, email and help centre, so the bank can be reached by phone or email, or via the help centre for common questions. No live chat is listed among those channels, which matters if you would rather type than speak to someone mid-application.

How does it compare with other Spanish mortgage offers?+

Self Bank's 4.4% starting rate sits above Prestalo at 2.36% and Creditilia ES at 4%, with Sofkredit listing a higher band at 8% to 14%. On annual percentage rate it ranks 64 of 145, so the headline rate is competitive but not exceptional.

Sources

  • selfbank.es checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “Spanish bank supervised by the Banco de Espana, CNMV and the Spanish Deposit Guarantee Fund”

  • selfbank.es/conocenos checked September 26, 2026

    Backs: Founded

    “The Self Bank brand was born in 2009, when Boursorama and La Caixa signed a joint venture”

  • selfbank.es/credito-pignorado checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee

    “tipo fijo 4,47% TAE, 4,40% TIN”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Maximum loan to value.

Self Bank (Selfbank by Singular Bank)

Borrowers wanting a fee-free, mid-market fixed-rate mortgage from a regulated Spanish bank.

8.8/10See alternatives

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